Dr. Franz Flögel

Foto von Dr. Franz Flögel

Head of Research Department Spatial Capital

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Born 1985. Master's studies in Human Geography, Economics and Political Science at the University of Potsdam, the Humboldt University of Berlin and the University of Nottingham. Since 2010 research associate at the Institute for Work and Technology in the research focus “Spatial Capital.” PhD completed in 2017 at the Chair of Economic Geography, Catholic University of Eichstätt-Ingolstadt, on the topic of corporate lending by regional banks compared with large banks. Since 2025, director of the research department spatial capital together with Stefan Gärtner.

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YearTitle / CitationDocument typeLinks / Downloads
2025

2025:  

Beyond start-up formation: Effects of entrepreneurial ecosystem support activities for developing lagging regions

Citation:  

Flögel, F., Letonja, M., Meyer, K., Rabadjieva, M., Vilman, Z., Zhekova, R., Zlateva, M. & Butzin, A. (2025): Beyond start-up formation: Effects of entrepreneurial ecosystem support activities for developing lagging regions. Local Economy: The Journal of the Local Economy Policy Unit, 2025, 1-20. https://doi.org/10.1177/02690942241311805

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Journal article

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2024

2024:  

Regional banks and economic resilience: the impact of the global financial crisis and COVID-19 on countries with decentralised and centralised banking systems

Citation:  

Flögel, F. & Hejnova, T. (2024): Regional banks and economic resilience: the impact of the global financial crisis and COVID-19 on countries with decentralised and centralised banking systems. Finance and Space, 1 (1), 460-488. https://doi.org/10.1080/2833115X.2024.2418860

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Dr. Franz Flögel

Foto von Dr. Franz Flögel

Head of Research Department Spatial Capital

// +49 (0)209.1707-203

// floegel@iat.eu

// vCard

// QR-Code

Jahrgang 1985. Magisterstudium der Humangeographie, Volkswirtschaftslehre und Politikwissenschaften an der Universität Potsdam, der Humboldt Universität zu Berlin und der University of Nottingham. Seit 2010 wissenschaftlicher Mitarbeiter am Institut Arbeit und Technik im Forschungsschwerpunkt Raumkapital. 2017 Abschluss der Promotion an der Professur für Wirtschaftsgeographie der Katholischen Universität Eichstätt-Ingolstadt zum Thema der Unternehmenskreditvergabe regionaler Banken und Großbanken im Vergleich.

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YearTitle / CitationDocument typeLinks / Downloads
2023

2023:  

Injecting climate finance into SME lending in Germany: Opportunities for and limitations of regional savings and cooperative Banks

Citation:  

Flögel, F. (2023): Injecting climate finance into SME lending in Germany: Opportunities for and limitations of regional savings and cooperative Banks. ZFW – Advances in Economic Geography, 2023, 13. https://doi.org/10.1515/zfw-2022-0011

Abstract / Keywords

Although small and medium-sized enterprises (SMEs) contribute considerably to Germany’s carbon emissions, regional savings and cooperative banks − SMEs’ most important financiers − hardly consider this aspect in lending to these businesses. However, given Germany’s commitment to climate neutrality by 2045, suitable approaches for injecting climate finance into these SME lending processes are greatly required. Against this background, the paper at hand aims to introduce the specific case of regional banks into the debate on green finance and green banking and suggest future research in this context. In discussing the state of research on the peculiarities of regional savings and cooperative banks, we outline the resulting opportunities and limitations for climate impact assessments in SME lending. We argue that while the dual bottom-line orientation of regional banks in Germany precludes them from applying simple positive or negative screenings, their in-depth knowledge about local clients and circumstances enables them to be active and engaging partners for the green transformation of SMEs. Nonetheless, we explain why developing solutions to utilise this knowledge for climate finance by integrating climate impact assessments into routine lending processes remains a particularly challenging task.

regional banks, savings banks, cooperative banks, SME lending, climate finance, green banking, climate impact assessment, ESG ratings

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2019

2019:  

Will FinTech make regional banks superfluous for small firm finance? Observations from soft information-based lending in Germany

Citation:  

Beckamp, M. & Flögel, F. (2019): Will FinTech make regional banks superfluous for small firm finance? Observations from soft information-based lending in Germany. Economic notes: review of banking, finance and monetary economics, 48 (3), 1-20. https://doi.org/10.1111/ecno.12159

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Journal article

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2018

2018:  

Distance and modern banks’ lending to SMEs: ethnographic insights from a comparison of regional and large banks in Germany

Citation:  

Flögel, F. (2018): Distance and modern banks’ lending to SMEs: ethnographic insights from a comparison of regional and large banks in Germany. Journal of economic geography , 18 (1), 35-57.

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